--- title: The Concklin Blog (18) description: Learn about different types of insurance, risk management strategies, and loss prevention tips (18) --- [Skip to content](https://blog.concklin.com/page/18#main-content) [facebook-f icon](https://www.facebook.com/ConcklinInsurance) [linkedin-in icon](https://www.linkedin.com/company/concklin-insurance-agency) [Twitter icon](https://twitter.com/ConcklinA) [youtube icon](https://www.youtube.com/channel/UC_HnJQ4S_USSxBJkauXwu6A) [**Contact Our Team**](https://insurance.concklin.com/compare-quotes#CLQuoteRequest) **[630-268-1600](tel:+16302681600)** **[Contact Our Team](https://insurance.concklin.com/compare-quotes#CLQuoteRequest)** **[630-268-1600](tel:+16302681600)** [![Concklin Logo-1](https://blog.concklin.com/hs-fs/hubfs/Concklin%20Logo-1.png?width=314&height=100&name=Concklin%20Logo-1.png)](https://insurance.concklin.com/) - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) Open main navigation Close main navigation - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) --- # The Concklin Blog This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. Select Category Auto Insurance Business Insurance Cyber Liability Flood Insurance Health Insurance Homeowners Insider Insurance 101 Jersey Mike's Life Insurance Personal Lines Insurance Restaurant and Hospitality Risk Mitigation Safety Tips [![Man in suit touching a graphic of a family under an umbrella. Graphic is connected to other images in a honeycomb pattern](https://blog.concklin.com/hubfs/Imported_Blog_Media/bigstock-154006616.jpg)](https://blog.concklin.com/blog/6-traits-to-look-for-when-choosing-an-insurance-provider.html) [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance), [Business Insurance](https://blog.concklin.com/tag/business-insurance) ## [6 Traits to Look For When Choosing an Insurance Provider](https://blog.concklin.com/blog/6-traits-to-look-for-when-choosing-an-insurance-provider.html) Insurance is a necessity in today’s world. One car accident, fire, or other disaster could leave you... [Read more](https://blog.concklin.com/blog/6-traits-to-look-for-when-choosing-an-insurance-provider.html) [![Stressed out man in empty parking spot in parking garage](https://blog.concklin.com/hubfs/Imported_Blog_Media/blog_test.jpg)](https://blog.concklin.com/blog/replacement-cost-versus-actual-cash-value-insurance-policies.html) [Auto Insurance](https://blog.concklin.com/tag/auto-insurance), [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance) ## [‘Replacement Cost’ versus ‘Actual Cash Value’ Insurance Policies?](https://blog.concklin.com/blog/replacement-cost-versus-actual-cash-value-insurance-policies.html) The worst has happened: Someone stole your car and stripped it to pieces! Now, all you’ve got left a... [Read more](https://blog.concklin.com/blog/replacement-cost-versus-actual-cash-value-insurance-policies.html) [![close up of a hand with a telematics plug-in device in the palm](https://blog.concklin.com/hubfs/Imported_Blog_Media/UBI-Device-2.jpg)](https://blog.concklin.com/blog/vehicle-telematics-myths-facts-and-benefits.html) [Auto Insurance](https://blog.concklin.com/tag/auto-insurance), [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance) ## [Vehicle Telematics: Myths, Facts, and Benefits](https://blog.concklin.com/blog/vehicle-telematics-myths-facts-and-benefits.html) Insurance companies have used vehicle telematics for about two decades now as a way to bring more tr... [Read more](https://blog.concklin.com/blog/vehicle-telematics-myths-facts-and-benefits.html) [![Open page of a travel journal that reads "I Heart Summer"](https://blog.concklin.com/hubfs/Imported_Blog_Media/vacation-checklist.jpg)](https://blog.concklin.com/blog/homeowners-insurance-summer-vacation-checklist.html) [Homeowners](https://blog.concklin.com/tag/homeowners), [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance) ## [Homeowners Insurance Summer Vacation Checklist](https://blog.concklin.com/blog/homeowners-insurance-summer-vacation-checklist.html) You’ve checked your auto and travel insurance policies and know you’re covered while on vacation, bu... [Read more](https://blog.concklin.com/blog/homeowners-insurance-summer-vacation-checklist.html) [![Woman's hand holding a smart phone. The airbnb app is open on the screen](https://blog.concklin.com/hubfs/Imported_Blog_Media/bigstock-215945476.jpeg)](https://blog.concklin.com/blog/home-sharing-services-do-you-need-insurance-coverage.html) [Homeowners](https://blog.concklin.com/tag/homeowners), [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance) ## [Home-Sharing Services: Do You Need Insurance Coverage?](https://blog.concklin.com/blog/home-sharing-services-do-you-need-insurance-coverage.html) The sharing economy has brought about business model innovations, allowing people to monetize underu... [Read more](https://blog.concklin.com/blog/home-sharing-services-do-you-need-insurance-coverage.html) [![Tree toppled by storm has damaged a vehicle parked in a driveway](https://blog.concklin.com/hubfs/Imported_Blog_Media/bigstock-144244991.jpg)](https://blog.concklin.com/blog/it-s-tornado-and-hurricane-season-is-your-property-insured.html) [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance), [Business Insurance](https://blog.concklin.com/tag/business-insurance), [Flood Insurance](https://blog.concklin.com/tag/flood-insurance) ## [It’s Tornado and Hurricane Season: Is Your Property Insured?](https://blog.concklin.com/blog/it-s-tornado-and-hurricane-season-is-your-property-insured.html) As glorious as the spring and summer months can be, they can also bring some of Mother Nature’s most... [Read more](https://blog.concklin.com/blog/it-s-tornado-and-hurricane-season-is-your-property-insured.html) [![Flooded city street](https://blog.concklin.com/hubfs/Imported_Blog_Media/flood.jpg)](https://blog.concklin.com/blog/follow-this-flood-insurance-and-water-damage-prevention-checklist.html) [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance), [Business Insurance](https://blog.concklin.com/tag/business-insurance), [Flood Insurance](https://blog.concklin.com/tag/flood-insurance) ## [Flood Insurance and Water Damage Prevention Checklist](https://blog.concklin.com/blog/follow-this-flood-insurance-and-water-damage-prevention-checklist.html) Water. We need it to survive, but it can also be a relentless, unforgiving beast. In mere minutes, w... [Read more](https://blog.concklin.com/blog/follow-this-flood-insurance-and-water-damage-prevention-checklist.html) [![Young woman plays with small child on carpeted floor. Many toys are scattered about](https://blog.concklin.com/hubfs/Imported_Blog_Media/bigstock-181356037.jpg)](https://blog.concklin.com/blog/babysitter-liability-accidents-can-happen-even-on-date-night.html) [Homeowners](https://blog.concklin.com/tag/homeowners), [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance) ## [Babysitter Liability: Accidents Can Happen, Even on Date Night](https://blog.concklin.com/blog/babysitter-liability-accidents-can-happen-even-on-date-night.html) A thousand questions can race through a parent’s mind when hiring a new babysitter or in-home nanny:... [Read more](https://blog.concklin.com/blog/babysitter-liability-accidents-can-happen-even-on-date-night.html) [![Arial view of a boat on the open water - waters are clear and blue](https://blog.concklin.com/hubfs/Imported_Blog_Media/bigstock-Vintage-wooden-boat-in-coral-s-129668606.jpeg)](https://blog.concklin.com/blog/boat-insurance-the-difference-between-smooth-sailing-and-rough-waters.html) [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance) ## [Boat Insurance: The Difference Between Smooth Sailing and Rough Waters](https://blog.concklin.com/blog/boat-insurance-the-difference-between-smooth-sailing-and-rough-waters.html) For those who long to be out on the water, there is nothing quite like the freedom and thrill of a d... [Read more](https://blog.concklin.com/blog/boat-insurance-the-difference-between-smooth-sailing-and-rough-waters.html) [![Male hands on left holding a pen, female hands on right holding a pen. Papers are being exchanged between them](https://blog.concklin.com/hubfs/Imported_Blog_Media/laptop-3196481_640.jpg)](https://blog.concklin.com/blog/3-tips-for-a-hassle-free-annual-insurance-review.html) [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance), [Business Insurance](https://blog.concklin.com/tag/business-insurance) ## [3 Tips for a Hassle-Free Annual Insurance Review](https://blog.concklin.com/blog/3-tips-for-a-hassle-free-annual-insurance-review.html) Many often file their insurance policies among life’s “set-and-forget” items. We rarely give them mu... [Read more](https://blog.concklin.com/blog/3-tips-for-a-hassle-free-annual-insurance-review.html) [First](https://blog.concklin.com/) [Prev](https://blog.concklin.com/page/17) [16](https://blog.concklin.com/page/16) [17](https://blog.concklin.com/page/17) [18](https://blog.concklin.com/page/18) [19](https://blog.concklin.com/page/19) [20](https://blog.concklin.com/page/20) [Next](https://blog.concklin.com/page/19) [Last](https://blog.concklin.com/page/21) [![Concklin Logo](https://blog.concklin.com/hs-fs/hubfs/Concklin%20Logo.png?width=150&height=48&name=Concklin%20Logo.png "Concklin Logo")](http://concklin.com) [facebook-f icon](https://www.facebook.com/ConcklinInsurance) [linkedin-in icon](https://www.linkedin.com/company/concklin-insurance-agency) [Twitter icon](https://twitter.com/ConcklinA) [youtube icon](https://www.youtube.com/channel/UC_HnJQ4S_USSxBJkauXwu6A) - About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Restaurants](https://restaurants.concklin.com) - [Franchised Restaurants](https://restaurants.concklin.com/franchised-restaurants) - [Contractors](https://insurance.concklin.com/general-contractor-insurance) - [Habitational](https://insurance.concklin.com/habitational-insurance) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Business Owners' Policy](https://insurance.concklin.com/business-owners-insurance-policy) - [Commercial Property](https://insurance.concklin.com/commercial-property-insurance) - [General Liability](https://insurance.concklin.com/commercial-general-liability-insurance) - Workers' Compensation - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - [Homeowners' Policy](https://insurance.concklin.com/homeowners-insurance) - [Personal Auto Policy](https://insurance.concklin.com/auto-insurance) - [Personal Umbrella Policy](https://insurance.concklin.com/personal-umbrella-insurance) - [Flood Insurance](https://insurance.concklin.com/flood-insurance) - Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) --- REQUESTING COVERAGE DOES NOT GUARANTEE COVERAGE CAN BE PROVIDED.  COVERAGE CAN BEGIN ONLY WITH SPECIFIC STATEMENT BY A LICENSED MEMBER OF CONCKLIN INSURANCE AGENCY. 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